Quality auto coverage and stellar service

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Grange provides quality auto insurance coverage and stellar service through our partnerships with independent insurance agents.

Common Virginia car insurance questions

Yes, it’s illegal to drive without car insurance in Virginia. Drivers in Virginia are required to have bodily injury coverage and property damage liability coverages.

These are the required coverage amounts in Virginia:



Bodily injury to others

$30,000 per person; $60,000 per incident

Property damage liability

$20,000 per incident



Without car insurance, you are responsible for paying a $500 uninsured motor vehicle fee to the Virginia Department of Motor Vehicles. Additionally, if you are in an accident and determined to be at fault, you may be responsible for the full cost to repair damage caused to others’ property and the cost of medical payments for any injuries caused.

The Virginia Department of Motor Vehicles allows vehicle owners to register an uninsured vehicle by paying the $500 uninsured motor vehicle fee.

The insurance you need will depend on multiple factors. Choosing the right insurance is easy when you work with an independent insurance agent, as they can ensure you have the right coverage to fit your budget. Learn more about the car insurance options Grange has to offer or work with an independent agent to get an auto insurance quote in Virginia.

Grange offers competitive rates and a variety of discounts to help you save money on auto insurance. An independent insurance agent can help you get a car insurance quote in Virginia with discounts you qualify for. Learn more 

No, Virginia is an at-fault state. This means that if you are injured in an accident and the other party involved is at-fault, you may be able to work with their insurance to cover expenses related to your injuries.

If you are in an accident and have questions about how Virginia’s at-fault status impacts your coverage, your independent insurance agent or claim representative can walk you through your unique situation.

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Many ways to save

Save money with a variety of discounts.

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A custom policy made for you

Learn about coverages most important to you.

See all coverages


Read reviews from Virginia customers

We are committed to using feedback to improve our customer service. Here’s what some Virginia auto insurance customers have to say about Grange Insurance.

four star rating

Raymond S.

All of our experiences have been great! Their service is tops!

Johnny L.

Great customer service.

Robert G.

My wife had an accident and totaled our vehicle. Thank God she was not injured. Our claim adjuster was caring, knowledgeable and quick taking care of our claim. Received payment in a couple of days. Very satisfied.


Why independent agents?

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They work for you

Insurance agents who represent one carrier can only provide the best options from a single insurance provider. Independent agents work for you, finding the best coverage options from multiple carriers.

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More coverage options

Independent car insurance agents consider your needs and driving habits to find the best coverage. Because they aren’t tied to a specific insurance company, they provide more options.

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It's easier to comparison shop

Unlike shopping for car insurance online, working with an independent agent makes it easy to compare auto policies from multiple carriers. You won’t have to wonder if you’re on the right track since you’ll have an expert in your corner to answer your questions.

*Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan and Grange Property & Casualty Insurance Company*. Not all companies are licensed in all states. *Not licensed in Pennsylvania.